7545 Top O The Morning Way

7545 Top O The Morning Way

D

4S Ranch, CA 92127

$5,450,000

Soft Appraisal Value: $5,284,500 · 3.1% above estimate

Beds

4

Baths

4.5

Sqft

6,523

Year Built

2022

Days on Market

83

Property Type

Single Family

HOA/mo

$800

MLS ID

2600896SD

Description

Absolutely stunning custom estate completed in 2022—among the newest homes in the prestigious Crosby at Rancho Santa Fe. Ideally located on a quiet, beautifully curated street of luxury residences within the highly rated Solana Santa Fe (K–8) and Torrey Pines High School districts, and near top private academies. Designed by local architect Scott Grunst, this 6,523 sq. ft. residence blends timeless elegance with modern luxury. A dramatic 22-foot foyer sets the tone with soaring arched windows, hardwood floors, exposed solid wood beams, and a grand staircase with wrought-iron railings. The chef’s kitchen is equipped with an eight-burner Wolf range with infrared charbroiler, 64" Electrolux refrigerator/freezer, double Electrolux dishwashers, custom stained alder cabinetry, and Brazilian quartzite countertops. Entertain effortlessly with a full wet bar featuring a built-in kegerator and a custom, climate-controlled 800-bottle wine cellar with additional storage. Disappearing pocket doors create seamless indoor-outdoor living, opening the main living space to a covered loggia with fireplace, full outdoor kitchen, and Wolf BBQ. The resort-style backyard offers exceptional privacy with no close neighbors and showcases a rim-flow PebbleTec® pool, vanishing-edge spa, raised fire pits, and unobstructed sunset views over a protected natural preserve. The thoughtful floor plan includes an elegant executive office on the main level with built-ins and fireplace, a main-level guest or secondary primary suite ideal for multigenerational living, and a spacious upstairs primary retreat. Upstairs also features two additional ensuite bedrooms and a game room overlooking the living room below. Additional highlights include an owned solar system, oversized motor court, and a four-car garage configuration: attached two-car garage with Tesla charger plus a detached, insulated two-car garage with A/C wiring—ideal for a gym, studio, or yoga space. Residents enjoy access to The Crosby’s Fred Couples-designed golf course, 35,000-sq.-ft. clubhouse, tennis and pickleball courts, Olympic-size pool, spa, fitness center, dining, and active social calendar. Conveniently located with quick access to Rancho Santa Fe Village via the north gate and Hwy 56, Hwy 15, and Hwy 5 via the south gate for beaches, shopping, and dining.

Mortgage Calculator

Est. Monthly Payment

$35,398

Principal & Interest$27,558
Property Tax$5,450
Insurance$1,590
HOA$800
%($1,090,000)
%

Investment Score

0D
Est. Monthly Rent
$8,252
Monthly Cashflow

Rent − PITIA

$-27,146
Full Cashflow

Incl. vacancy, PM, maint, capex

$-33,586

Mortgage (P+I)
$27,558
Cap Rate
-1.33%
Cash-on-Cash
-36.98%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.23
Break-even Rent
$51,870

NOI (Annual)
$-72,332
Price-to-Rent

Lower = better for investors

55.0

* Defaults: 20% down, 6.5% rate, 30yr.

Estimates only. Not financial advice. Verify all figures independently with a licensed professional before making any investment decision.

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